-
Changing DMP to one with less charges?
A work colleague has a DMP with someone and Ernst, (or something similar) and said that of an £80ish pound monthly payment £35 is going in charges. As the DMP is apparently up for review in June we were wondering how easy it would be to change to a company that charges less? He says he found it so difficult to go down the…
-
My luck has finally changed :D
At long last my troubles are over. I'm going to be very rich indeed :j:beer: ''Dearest One, For sure this mail would definitely come to you as a surprise, but do take your good time to go through it, My name is Desmond Williams and my Sister name is Gloria,we are from Congo. We lost our parents a year and couple of months…
-
blimey, I shocked myself today
Had a bit of a lightbulb moment earlier. Three years ago or so I started buying from Studio, mainly christmas time. I've always paid minimum payments knowing that there is a service charge each month but it's easier. Now I admit to missing a few payments at the beginning but the last two years ive made regular up to date…
-
wanting to clear debt but need guidance?
Hi I need help with the best way to clear my debt, I currently owe my father £2600 which I am paying back at £150 per month, he needs it back so I cant defer this payment and i dont pay interest on this. I also have £1400 on my halifax credit card at 11.9% apr. I can afford to pay back £30 per week on this, what is the…
-
15 year old debt with ex
I have a debt from 1999 with an ex partner whom I split from in the same year. The debt was the short fall of a repossession and was £7500. I have paid about 40% myself, my ex has paid nothing. Is there any way I could get the building society to chase him for the rest as it feels very unfair that it has fallen to me. I…
-
Selling debts
Can a company sell a debt when it's in dispute?
-
full and final settlement
I am on a DMP with CCCS and 6 of my creditors are now below £500, the lowest being £200. I have the possibility of getting together some extra money over the next couple of months by overtime and selling some unwanted items. I was considering offering full and final settlements to the smaller creditors one by one but have…
-
IVA rejected by Link Finance
Help! I'm in dept of £15k, I'm on a DMP (Gregory Pennington) I tried an IVA but bloody Link Finance rejected it. So I am stuck, and I don't know where to turn :0(
-
Changing hire purchase on debt management plan
I've recently set up a debt management plan to repay credit cards and an unsecured loan. I have a hire purchase agreement for a car which is not included in the plan. I would like to change my car with a new hire purchase agreement. This will reduce my monthly repayments and also the fuel expenses as I'm looking at an…
-
Hatching a Plan
Hello all, I need a little advice or direction please. I would like to start the journey on becoming debt free. I have a 6 month old child and would like to obtain a mortgage in the next 5 years. Im 25. My credit history is as follows: Current: Credit cards: Aqua £1200 Capital one platinum £500 Barclay card £400 Overdraft:…
-
Unarranged overdraft usage fee..
Hi, so I have a current account open with Santander however a few months ago I switched to a different bank. I tried to do the switch myself online but for some reason it wasn't working, so being impatient I created a new bank account online and decided to just cancel my account with Santander. (I'm only 18 and nothing…
-
Advise needed ,changing dmp .
Hi,im currently in a dmp with a fee charging company,its actually a debt settlement plan,didnt realise how high the fees where and recently spoke to my current dm company. i was advised they havent actually paid any of my creditors since last july to my disapointment,when i quiered this was told it goes in a trust till…
-
A bit of good news......
Hi money savers..... I would like to share some good(ish) news. A couple of years ago i took out a payday loan, only a small one for £200. I made a couple of payments then stopped paying. Anyway, id forgotten all about this loan till one day 4 weeks ago i got a letter through the mail from a debt collections agency. The…
-
Letter to cancel DMP, DESPERATE PLEASEHELP
I've just received a letter (dated 10th March) stating that I've breached the terms of my DMP. I started my DMP in February with Stepchange, however just prior to actually admitting to myself that I had a debt problem in January (so before I applied for my DMP) I stupidly took out a Barclaycard thinking (stupidly I know!!)…
-
Over £20,000 of urgent debt, bailiffs, warrants and medical issues
Good afternoon everyone. I'm not sure if there is an introduction page on this forum but you'll probably know me pretty well by the end on this post. Having read a lot of advice from this forum, it seemed like the right step to take in obtaining some help and advice regarding my situation and there seems to be some amazing…
-
Information to court debt needed- urgent
Long story short we had some windows installed in 2005 and ran out of money before we could pay. Went to court and a ccj added to my file. I agreed to pay £40 a month untill the debt was clear. Anyway long story short I am paying £100 a month and I have been since March 2008 (minimum £7200) I have no idea what/ how much I…
-
Help?
Hi guys/gals I'm new to this forum but I am looking for some thoughts, advice? I have a couple of defaults on my credit file which is affecting me getting credit. Now the question I have is these are around 31/2 years old. Would it be any benefit to me to pay these in full or agree a lower amount with the dca? Or would…
-
Full and Final Settlement Help Please
Hi there, Following a voluntary repossession I have a large outstanding debt with NRAM. They have agreed to accept a smaller final settlement. The question is, this was a joint debt and myself and the other party are no longer together. We have agreed that we want both to have a clean slate and the money is a joint effort.…
-
Settling a debt that secured on the property
I have an outstanding balance of £1065 on an old credit card debt. I recently sent them a letter asking them to accept £300 payment to close the account. I didnt hear anything so I rang them and I was told that because the debt is secured to the house that they wont accept the amount I have offered. Is there a way to…
-
Co-operative Cashminder Account
I highly recommend Co-operative from my experience this morning. I have spoken to someone in customer services this morning, who was excellent, and she passed me through to the account opening department; both women were amazing friendly and helpful, even when I explained the circumstances of everything. Even though I'm…
